Who are you all using for your Cobra Insurance?

[4RE KLR]

Ok, I know this subject has been brought up several times before but who are you guys using for your insurance on your Cobra?

I had Insurance the past year with Dan Hardiman. I had no calims, no tickets no changes in value and my premiums went up @ $1,000.00. not to $1,000.00 but a $1,000.00 increase in premium amount. That is obsurred. I will not be railroaded like that. So my insurance is soon to expire.


I only put @1,400 miles on the car all year. At this rate I will let the damn thing set in the garage and rot.

My insurance on the F250 , The Cadillac and the Pace trailer are with Prudential now. I have a companion policy with all the life insurance policies for each of us. I was told I needed to move my other cars to him, Ok so I let him give estimates for the truck the Cadillac and my Pace trailer. Here are the actual numbers folks no BS here this is reality.

The policies are for the same coverage 100/300 deductables are the same, give or take nickels.

Vehicle................Prudential................. Dan Hardiman
2001 F250.............704.00.....................1023.0 0
1999 Cad STS........638.00.......................972.00
2000Pace trlr.........250.00.......................512.00

Policy fee.......................00...................... ...75.00
Surcharge......................00................. ..........1.00

Total:..................$1,592.00................. ..$2,583.00

That is a differance of $991.00 more FOR THE SAME COVERAGE.

What's up with these numbers. Almost a thousand dollars more for the same coverage, same deductables, same everything. Notice these numbers do not inclede the Cobra.

The Cobra last year was set valued at $60,000.00 and the premium was $555.00 this year the estimate was. $1,443.00 that is an exact "INCREASE" of $893.00. FOR THE SAME COVERAGE.

Oh By the way it was pointed out that if I paid the extra $991.00 more FOR THE SAME COVERAGE on my other cars that my Cobra Insurance would only be only $286.00. That is $1,157.00 less "FOR THE SAME COVERAGE" from the same company.

Surely I pissed off the Insurance company by NOT haveing a claim last year. That is the only reason I can think of for my insurance to go

"UP A THOUSAND DOLLARS A YEAR"

So any how I am in the market for new Cobra Insurance.

Hey Dan, I am not trying to piss you off. I am just stating the facts. I cannot afford a thousand dollars a year increase in premiums. At that rate I would be paying ten thousand dollars a year for Cobra insurance real quick.

BTW: My driving record is good and no claims.

What gives??

Ferrari Killer
Steve Parks